People looking for the best health insurance options in Texas can find cheap, subsidized policies offered on the Texas health insurance exchange. Currently there are eight companies offering plans on the exchanges, although not all companies offer plans in every county.

For the 2020 plan year, the average monthly cost of health insurance for a 40-year-old in Texas is down to $508. This is a drop of 14% or $85 since 2018.

The average consumer will probably want to begin shopping by looking at the Blue Advantage Silver HMO 205. The plan is the cheapest Silver option sold by Blue Cross Blue Shield (BCBS) which operates in every county of Texas, and the Silver plan qualifies for additional subsidies for low-income families. However, if you have access to the Ambetter Balanced Care 5 then that would be a cheaper Silver plan option.

Cheapest health insurance coverage by metal tier

To help you get started finding the best health plan available for your preferred level of coverage, we compared Texas policies by metal tier and identified the cheapest health insurance option available in the state.

The set of insurers and health plans varies by county, so not all of those listed below are available in every region. We recommend using these as a starting point to assess the monthly premiums you can expect as compared to benefits and out-of-pocket expenses.

Metal tier

Cheapest plan

Deductible

Maximum out-of-pocket

Monthly cost for a 40-year-old

Catastrophic

CHP TX Catastrophic

$8,150

$8,150

$229

Bronze

Core Care Bronze 2

$8,000

$8,150

$255

Expanded Bronze

CHP TX Bronze - Two Free PCP Visits

$7,100

$8,150

$281

Silver

Ambetter Balanced Care 5 (2020)

$7,350

$7,350

$337

Gold

CHP TX Gold - Two Free PCP Visits

$000

$8,150

$399

For a chosen tier of coverage, your age will directly impact the premiums you pay for health insurance. A 40-year-old would pay 28% more for health coverage than a 21-year-old would pay, which would translate to an additional $79 per month for a Bronze plan but $119 more for a Gold plan in Texas.

However, that 40-year-old would pay 53% cheaper rates than what a 60-year-old would pay for the same coverage.

Finding your best health insurance coverage in Texas

Determining which health plan is the best for you and your family will depend on a number of factors. The primary factors to consider are your expected health care costs in a given year, your household income and the amount of savings you have in case of emergency.

Gold plans are best for high expected costs

Consumers with higher expected medical care needs, especially those who have routine prescription needs, should tailor their choices toward higher coverage. This can include the Gold-tiered plans, which come with a higher premium but also reduce your out-of-pocket expenses should you need medical care.

Gold plans will have much lower copays, coinsurance and deductibles, meaning each additional visit to a provider will be cheaper than a lower-tier plan.

It is especially important to consider the copays and coinsurance for prescription medication, as this is typically the one area of plan benefits that has highest routine use.

Silver plans are best for the average or low-income consumer

Silver health plans are a good middle ground for most consumers since they balance out-of-pocket costs and monthly premium payments. Silver plans also have a huge advantage for low-income households.

Silver plans are the only plans that come with a cost-sharing reduction variation, which allows lower-income households to benefit from copays, deductibles and coinsurance much lower than a standard plan.

For households with incomes less than 250% of the federal poverty level, a Silver plan is almost always the best option. These will offer lower premiums than Gold plans, and their cost sharing will be adjusted to match more expensive options.

Bronze and Catastrophic plans are best for the young and healthy

At the cheapest end of the premium spectrum are the Bronze and Catastrophic plans. These plans, while cheap in terms of premiums, come with high out-of-pocket costs, often with deductibles and out-of-pocket maximums near the highest allowable by law. In 2020, this is $8,100 for an individual and $16,200 for a household.

Consumers might find the lower premiums very appealing, but keep in mind these plans will generally cover nothing until you've paid thousands of dollars in expenses first.

This could be problematic if you don't have any disposable savings should you find yourself in need of moderate medical care. In such cases, you would effectively pay for the costs yourself. The Bronze and Catastrophic plans really help out in cases of significant emergencies where care will cost tens or hundreds of thousands of dollars.

Health insurance rate changes in Texas

Health insurance premiums changes are set by the health insurance companies on a yearly basis. Before these premiums are set, they are first approved by the federal health insurance exchange.

In Texas, the largest changes in premiums are found in the most affordable metal plans. Both the Catastrophic and Bronze policies experienced rate decreases of 9% and 10.5% respectively from 2018 to 2020. The only policy to increase in premium was the Expanded Bronze tier which only rose $1 during the time period.

Metal tier

2018 Premium

2020 Premium

% Change

Catastrophic

$363

$330

-9.07%

Bronze

$404

$361

-10.55%

Expanded Bronze

$397

$398

0.17%

Silver

$500

$486

-2.79%

Gold

$566

$547

-3.42%

2018 and 2020 premiums are for a 40-year-old adult.

Short-term health insurance in Texas

Texas residents have the option of purchasing short-term health insurance. The state follows federal guidelines for this type of plan, meaning policyholders may purchase coverage for one year and renew policies for up to 36 months.

Federal regulations also do not require short-term health insurance to cover the essential health benefits — such as mental health services, maternity care and prescription drugs. For this reason, if you are considering purchasing a short-term plan, you should make sure it will cover your health needs.

Additionally, a short-term health insurance company will require you to take a medical exam and you can be denied coverage due to a pre-existing condition.

Best cheap health insurance companies in Texas

There are currently eight health insurance companies on the Texas state exchange, which is the same as the previous year.

Health Insurance Companies in Texas

Blue Cross Blue Shield of Texas

FirstCare Health Plans

CHRISTUS Health Plan

Community Health Choice, Inc.

Celtic Insurance Company

Sendero Health Plans, Inc.

Oscar Insurance Company

Molina Healthcare of Texas, Inc.

Cheapest health insurance plan by county

For the average consumer looking for a Silver health plan, we've created a list of the cheapest option for each county in Texas, as well as sample quotes for families of different sizes.

County

Cheapest Plan

Age 40

Couple, Age 40

Couple, Age 40 + Child

Anderson

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Andrews

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Angelina

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Aransas

CHP TX Silver HD - Two Free PCP Visits

$482

$965

$1,052

Archer

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$585

$1,171

$1,276

Armstrong

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$496

$992

$1,081

Atascosa

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$475

$951

$1,037

Austin

Community Health Choice HMO Silver 009

$464

$928

$1,012

Bailey

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Bandera

Ambetter Balanced Care 11 (2020)

$415

$830

$904

Bastrop

Ambetter Balanced Care 11 (2020)

$456

$912

$994

Baylor

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Bee

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Bell

Ambetter Balanced Care 5 (2020)

$448

$896

$976

Bexar

Ambetter Balanced Care 5 (2020)

$406

$812

$885

Blanco

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Borden

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Bosque

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Bowie

CHP TX Silver HD - Two Free PCP Visits

$493

$987

$1,076

Brazoria

Ambetter Balanced Care 11 (2020)

$389

$779

$849

Brazos

Ambetter Balanced Care 11 (2020)

$448

$896

$977

Brewster

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Briscoe

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Brooks

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Brown

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Burleson

Ambetter Balanced Care 11 (2020)

$448

$896

$977

Burnet

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Caldwell

Ambetter Balanced Care 11 (2020)

$456

$912

$994

Calhoun

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$532

$1,065

$1,160

Callahan

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$493

$986

$1,075

Cameron

Ambetter Balanced Care 11 (2020)

$386

$772

$841

Camp

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Carson

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$496

$992

$1,081

Cass

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Castro

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Chambers

Community Health Choice HMO Silver 009

$464

$928

$1,012

Cherokee

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Childress

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Clay

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$585

$1,171

$1,276

Cochran

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Coke

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Coleman

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Collin

Constant Care Silver 2 250

$408

$816

$889

Collingsworth

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Colorado

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Comal

CHP TX Silver HD - Two Free PCP Visits

$398

$796

$867

Comanche

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Concho

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Cooke

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Coryell

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$477

$954

$1,040

Cottle

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Crane

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Crockett

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Crosby

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$536

$1,072

$1,168

Culberson

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Dallam

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Dallas

Constant Care Silver 2 250

$408

$816

$889

Dawson

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

De Witt

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Deaf Smith

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Delta

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$520

$1,040

$1,133

Denton

Oscar Saver Silver

$411

$822

$896

Dickens

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Dimmit

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Donley

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Duval

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Eastland

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Ector

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$478

$957

$1,043

Edwards

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

El Paso

Ambetter Balanced Care 5 (2020)

$395

$789

$860

Ellis

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$520

$1,040

$1,133

Erath

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Falls

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Fannin

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Fayette

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Fisher

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Floyd

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Foard

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Fort Bend

Ambetter Balanced Care 11 (2020)

$389

$779

$849

Franklin

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Freestone

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Frio

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Gaines

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Galveston

Oscar Saver Silver

$416

$832

$906

Garza

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Gillespie

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Glasscock

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Goliad

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$532

$1,065

$1,160

Gonzales

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Gray

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Grayson

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$540

$1,080

$1,177

Gregg

CHP TX Silver HD - Two Free PCP Visits

$456

$913

$995

Grimes

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Guadalupe

CHP TX Silver HD - Two Free PCP Visits

$398

$796

$867

Hale

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Hall

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Hamilton

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Hansford

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Hardeman

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Hardin

CHP TX Silver HD - Two Free PCP Visits

$452

$903

$985

Harris

Ambetter Balanced Care 5 (2020)

$381

$762

$831

Harrison

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Hartley

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Haskell

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Hays

Ambetter Balanced Care 5 (2020)

$446

$892

$973

Hemphill

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Henderson

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Hidalgo

Ambetter Balanced Care 11 (2020)

$399

$799

$871

Hill

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Hockley

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Hood

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Hopkins

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Houston

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Howard

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Hudspeth

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Hunt

Ambetter Balanced Care 11 (2020)

$419

$838

$913

Hutchinson

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Irion

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$546

$1,092

$1,191

Jack

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Jackson

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Jasper

Community Health Choice HMO Silver 009

$464

$928

$1,012

Jeff Davis

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Jefferson

Constant Care Silver 2 250

$404

$807

$880

Jim Hogg

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Jim Wells

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Johnson

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$520

$1,040

$1,133

Jones

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$493

$986

$1,075

Karnes

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Kaufman

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$520

$1,040

$1,133

Kendall

Ambetter Balanced Care 11 (2020)

$415

$830

$904

Kenedy

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Kent

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Kerr

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Kimble

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

King

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Kinney

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Kleberg

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Knox

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

La Salle

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Lamar

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Lamb

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Lampasas

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$477

$954

$1,040

Lavaca

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Lee

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Leon

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Liberty

Community Health Choice HMO Silver 009

$464

$928

$1,012

Limestone

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Lipscomb

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Live Oak

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Llano

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Loving

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Lubbock

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$536

$1,072

$1,168

Lynn

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Madison

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Marion

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Martin

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Mason

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Matagorda

Community Health Choice HMO Silver 009

$464

$928

$1,012

Maverick

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Mcculloch

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Mclennan

Ambetter Balanced Care 11 (2020)

$417

$835

$910

Mcmullen

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Medina

Ambetter Balanced Care 11 (2020)

$415

$830

$904

Menard

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Midland

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$459

$917

$1000

Milam

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Mills

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Mitchell

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Montague

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Montgomery

Ambetter Balanced Care 11 (2020)

$389

$779

$849

Moore

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Morris

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Motley

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Nacogdoches

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Navarro

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Newton

Community Health Choice HMO Silver 009

$464

$928

$1,012

Nolan

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Nueces

Ambetter Balanced Care 5 (2020)

$443

$885

$965

Ochiltree

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Oldham

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Orange

Community Health Choice HMO Silver 009

$464

$928

$1,012

Palo Pinto

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Panola

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Parker

Ambetter Balanced Care 11 (2020)

$419

$838

$913

Parmer

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Pecos

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Polk

Community Health Choice HMO Silver 009

$464

$928

$1,012

Potter

Ambetter Balanced Care 5 (2020)

$395

$789

$860

Presidio

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Rains

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Randall

Ambetter Balanced Care 5 (2020)

$395

$789

$860

Reagan

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Real

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Red River

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Reeves

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Refugio

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Roberts

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Robertson

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$505

$1,010

$1,100

Rockwall

Oscar Saver Silver

$411

$822

$896

Runnels

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Rusk

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$459

$919

$1,002

Sabine

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

San Augustine

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

San Jacinto

Community Health Choice HMO Silver 009

$464

$928

$1,012

San Patricio

CHP TX Silver HD - Two Free PCP Visits

$482

$965

$1,052

San Saba

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Schleicher

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Scurry

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Shackelford

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Shelby

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Sherman

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Smith

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$470

$940

$1,025

Somervell

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Starr

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Stephens

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Sterling

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Stonewall

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Sutton

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Swisher

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Tarrant

Ambetter Balanced Care 5 (2020)

$410

$820

$893

Taylor

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$493

$986

$1,075

Terrell

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Terry

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Throckmorton

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Titus

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Tom Green

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$546

$1,092

$1,191

Travis

Ambetter Balanced Care 5 (2020)

$446

$892

$973

Trinity

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Tyler

Community Health Choice HMO Silver 009

$464

$928

$1,012

Upshur

CHP TX Silver HD - Two Free PCP Visits

$456

$913

$995

Upton

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Uvalde

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Val Verde

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Van Zandt

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Victoria

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$532

$1,065

$1,160

Walker

Community Health Choice HMO Silver 009

$464

$928

$1,012

Waller

Community Health Choice HMO Silver 009

$464

$928

$1,012

Ward

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Washington

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Webb

Ambetter Balanced Care 5 (2020)

$337

$675

$735

Wharton

Community Health Choice HMO Silver 009

$464

$928

$1,012

Wheeler

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Wichita

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$585

$1,171

$1,276

Wilbarger

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Willacy

Ambetter Balanced Care 11 (2020)

$376

$753

$820

Williamson

Ambetter Balanced Care 5 (2020)

$446

$892

$973

Wilson

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$475

$951

$1,037

Winkler

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Wise

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$520

$1,040

$1,133

Wood

CHP TX Silver HD - Two Free PCP Visits

$493

$986

$1,075

Yoakum

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Young

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Zapata

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Zavala

Blue Advantage Silver HMO? 205 - Two $25 PCP Visits

$494

$988

$1,077

Average cost of health insurance by family size in Texas

The cost of a health insurance plan in Texas will vary based on your chosen policy, household income and the size of your family. Each family member added to your policy will increase your monthly health insurance premiums by a certain amount based upon their age.

For instance, children ages 14 and younger cost $285 to add to a Silver plan in Texas, whereas a 40-year-old adult costs an additional $491 to insure. So a family of five would pay $587 more per month for a health plan than a family of three.

Family Size

Average monthly cost of health plan

Individual + Child

$785

Couple Age 40

$982

Family of three (Adult couple and a child)

$1,070

Family of four (Adult couple and two children)

$1,364

Family of five (Adult couple and three children)

$1,657

Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Texas.

Methodology

Texas health insurance premiums and plans found in the above report were aggregated from Public Use Files (PUF) on the Centers for Medicare & Medicaid Services government website. Using the rates and premiums for each plan, averages were calculated for a variety of variables such as by metal tier, family size or county.

Sterling Price is a research analyst at ValuePenguin specializing in health and life insurance. He graduated from Syracuse University with a bachelors degree in Finance and Accounting and has previous experience as a licensed life insurance representative.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.